Disclosure

NFP may receive certain payments or allowances from some insurers in addition to its regular brokerage commission based on factors unrelated to any specific client or insurance policy. These "contingent commission" or "profit sharing" agreements, provide for payments based on the insurer's overall claim experience on policies placed by NFP, and/or the volume of premiums on policies placed by NFP with the insurer. Such arrangements do not affect the premiums charged, and play no role in NFP‘s carrier selection process.